Should I incorporate my BTL portfolio?
Six questions, one specific recommendation. This is the same flow a property tax specialist runs through in a first consultation — portfolio size, tax band, future plans, spousal situation, and management activity. The outcome is tailored to your answers, not a generic article.
How many BTL properties do you currently own?
This determines whether full incorporation is even worth modelling.
Why this decision tree exists
Incorporation content on property forums and generalist accountant blogs tends to push everyone in the same direction — usually toward incorporating. In practice the decision depends on a specific combination of factors: portfolio size, tax band, acquisition plans, spousal situation, and management activity. For some landlords, the right answer is "do nothing and claim your expenses properly." For others, it's "set up a hybrid structure today." For a narrower group, it's "full incorporation with s162 qualification evidence." This tool matches each profile to its correct recommendation.
The outcome you receive is a starting point, not a committed plan. Any restructuring involving SDLT and CGT at five- or six-figure scale warrants a proper specialist model with current lender quotes, a tailored s162 qualification analysis, and coordination with your conveyancer and mortgage broker. The diagnostic quiz matches you with a specialist in 48 hours, free of charge.